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IMG GEO Group Medical Insurance - Review

IMG GEO Group Medical Insurance

IMG GEO Group Medical Insurance
8
Insurance Partner
9/10
Coverage Options
8/10
Price
7/10

Strengths

  • Global Cover
  • Covers Contractors
  • Pre-Existing Waiver

Weaknesses

  • Routine Vision Care is Limited

A third party review of IMG Global Trip Insurance Company and the Global Employer’s Option – IMG GEO Group Medical Insurance

Looking for medical insurance that provides cover for employees working outside of your home country? The Global Employer’s Option – better known as GEO Group Medical Insurance by IMG Global — may be your best bet.

Overview of Global Employer’s Option – IMG GEO Group Medical Insurance

GEO Group Medical Insurance by IMG is a group-only medical plan ideal for multinational businesses. This worldwide benefits program was designed specifically for groups in mind. Minimum enrollment is two individuals working across international borders.

IMG GEO Group Medical Insurance offers what IMG Global Travel Insurance calls “Global Peace of Mind” to multinational employers. Read on for more information on IMG’s Global Employer’s Option and what it provides for travel medical cover.

What is IMG Global Travel Insurance’s GEO Group Insurance?

IMG GEO Group Medical Insurance comes in a base plan or an alternative plan to accommodate a wide range of employers. Additionally, several extra cover options are available for specific, targeted approaches to travel protection when necessary. This IMG Global travel insurance review will go over a few of these options.

Cover areas include worldwide or worldwide excluding the USA and Canada. Cover areas can also be limited to country of assignment for employees. Maximum lifetime benefits per person begin at $50,000 and run as high as $8 million. Annual deductibles begin at 0 and rise as high as $25,000 and include features like expense rollover. Cover has options to mimic COBRA and HIPAA in places where necessary. Life, dental, and daily indemnity cover are standard.

As cover designed for business travelers, GEO Group Insurance also provides emergency travel assistance. This includes lost passport assistance, referrals to embassies or consulates, legal referrals, and other types of assistance as well.

-Gunxs

IMG Global Travel Insurance’s GEO Group Medical Insurance: The Missing Pieces

IMG GEO Group Medical Insurance from IMG Global Travel Insurance is, by all accounts, comprehensive medical cover. However, there are some limitations that you should be aware of. One of these limitations is in the form of not supporting certain pre-existing conditions. An HIV-positive diagnosis is one of these conditions.

Additionally, cover conditions like deafness or vision loss are limited. The cost of hearing aids is not covered under GEO Group Insurance, and neither are eye training or orthoptics. Be aware of this if your company employs individuals living with any of these disabilities.

Applying for GEO Group Medical Insurance

Interested in pursuing GEO Group Insurance for your internationally assigned workers? Seeking a quote is as easy as clicking the Group Proposal button on the IMG Global website. Doing so will begin the quote process through an online form.

Global medical insurance can raise some complex issues. If you’re unsure of any of the terms for IMG Global’s GEO Group Insurance, it’s best to speak to an expert. Whether it’s by telephone, live chat, or email, the review of IMG Global Travel Insurance company’s service reps are ready to answer any questions you may have, such as whether trip cancellation cover is included.

Overall Rating for IMG GEO Group Medical Insurance

We believe that IMG's Group Medical Insurance Plan is an excellent basic option for any multinational company. While its cover doesn’t extend as well for all workers with disabilities or pre-existing conditions, this is perhaps its only downside. Otherwise, GEO Group Insurance is an excellent group insurance cover for internationally assigned workers.

Program Summary

Designed for:

  • Multinational employers with two or more employees
  • Employees living and working outside of their home country
  • Third country or key local nationals
  • Independently contracted employees

Highlights

  • Worldwide cover area options
  • Full group takeover/Replacement provision available
  • Waiver of pre-existing condition waiting periods for new employees with proof of prior cover
  • Medical History Disregarded underwriting option
  • Dental, disability and life insurance available
  • Universal Rx pharmacy discount savings

Benefits Summary

The following benefits are offered to eligible insureds.

The plan charges for eligible medical expenses within the area of cover.

All amounts are shown in U.S. dollars and subject to applicable deductible and coinsurance. NA = Not Applicable   URC = Usual, Reasonable and Customary   SAAI = Same As Any Illness

Benefit

Description

Choice of Coverage Area

  1. Worldwide 2) Worldwide excluding U.S. & Canada 3) Country of Assignment

Lifetime Maximum Per Insured

$50,000 - $8,000,000

DEDUCTIBLE/COINSURANCE

Deductible - Calendar Year

$0 - $25,000

Deductible when using U.S. PPO Network Provider or Medical Concierge Provider

Deductible is reduced by 50%

Deductibles per Family

Three Deductibles per Family

Deductible Carry Forward

If the Deductible has not been met during the Calendar Year, then Expenses incurred during the last 90 days of the Calendar Year will be applied toward satisfaction of the Deductible for the next Calendar Year

Coinsurance - Calendar Year

Treatment received outside the US:

Plan pays 100% of Eligible Medical Expenses.

Treatment received within the US:

In the PPO Network – Plan pays 100% of Eligible Medical Expenses. Medical Concierge Provider – Plan pays 100% of Eligible Medical Expenses.

Outside the PPO Network – Plan pays 80% of Eligible Medical Expenses and Insured pays 20% until $5,000 of Eligible Medical Expenses have been met, then the Plan pays 100%.

This limits the Insured’s out-of-pocket coinsurance maximum to $1,000.

IN-PATIENT/ OUT-PATIENT SERVICES

Hospital Room & Board

Within the U.S.: URC average private room rate, including nursing service.

Outside of the U.S.: URC average private room rate, including nursing service, up to a maximum of 150% of the average semi-private room rate.

Intensive Care Unit

URC

Surgery

URC

Emergency Room

URC

Additional $250 deductible applied if visit is a result of an illness and you are not admitted

Physician Visits

URC

Physical Therapy

$50 Maximum per visit

Diagnostic Procedures

URC

Home Nursing Care

URC

Local Ambulance

URC

Durable Medical Equipment

URC

Transplants

$1,000,000 lifetime maximum. Subject to special provisions

Mental & Nervous Disorder and Substance Abuse

Available after 12 months of continuous coverage

$20,000 Maximum Limit per Lifetime

Outpatient Treatment: 50% patient responsibility, plan pays up to $100 Maximum per visit and maximum of 52 visits per Insured Person per Calendar Year

Inpatient Treatment: $10,000 per Insured Person per Calendar Year.

Prescription Drugs

Outside the U.S.: URC

Inside the U.S.: Must utilize Universal RX card. Co-pay (per 30 day supply): Tier 1 - $5; Tier 2 - 30%; Tier 3 - $50 plus 30%. Maximum Limit of 90 day supply per prescription.

Adult Wellness  

Not subject to deductible and coinsurance

$250 per calendar year

Benefit

Description

Child Wellness

Not subject to deductible and coinsurance

$150 per calendar year

Hospital Indemnity

(outside US only)

Private Hospitals: $400 per overnight and $4,000 Maximum Limit per Calendar Year. Public Hospitals: $500 per overnight and $5,000 Maximum Limit per Calendar Year when Other Coverage exists and IMG is not obligated to pay any benefits.

EMERGENCY SERVICES

Return of Mortal Remains to Home Country

Not subject to deductible and coinsurance

$25,000 maximum

Political Evacuation & Repatriation

Not subject to deductible and coinsurance

$10,000 lifetime maximum

Emergency Medical Evacuation Not subject to deductible and coinsurance

$1,000,000 lifetime maximum

Emergency Reunion

$10,000 lifetime maximum

MATERNITY

Maternity Coverage

Available after 10 months of continuous coverage

URC

Newborn’s Care & Congenital Disorders

$250,000 Lifetime Maximum for Newborn’s Care and Congenital Disorders during 31 days after birth

ADDITIONAL BENEFITS

Complementary Medical Service

Maximum Limits Per Insured

Acupuncture: $150 Magnetic Therapy: $75 Herbal Therapy: $50 Massage Therapy: $150

Aroma Therapy: $50 Vitamin Therapy: $100

Chiropractic Care

Not subject to deductible and coinsurance

$25 per visit (maximum of 20 visits per policy period)

Vision Care Expenses

Not subject to deductible and coinsurance

$100 Maximum Limit per 24 months for routine eye exams and $150 Maximum Limit per 24 months for corrective lenses, contacts to correct vision, and frames.

Supplemental Accident Benefit Not subject to deductible and coinsurance

$300 per covered accident

Dental Emergency

URC for necessary treatment due to accident

Vis**ion**

Not subject to deductible and coinsurance

Exams - Up to $100 per 24 months

Materials, frames, lenses, contacts - Up to $150 per 24 months

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